Wedinsure essentially offer one comprehensive policy with what are described as Tiers of cover. Premiums start at the first tier at £29 offering cancellation cover to the value of £7,500 right up to the highest level of cover which costs £195 and offers cancellation cover to the value of £70,000. In between sit different grades of cover with the premiums increasing in line with the higher values attached to the separate elements within the policy. Wedinsure do not apply a policy excess to all parts of their cover and so no excess is charged on some of the key sections including cancellation, curtailment, re-arrangement, failure of suppliers and personal accident. Where an excess is applied, this is £50 other than for personal liability claims and claims made under the ceremonial swords extension where the excess is £250.
Wedinsure cover weddings abroad as part of their standard cover, there is no additional fee for this but parts of the policy will not apply to weddings outside the UK and this will depend on the exact location of the wedding. There are the usual optional add ons for either marquee hire or ceremonial swords. Personal liability cover is included in all the different tiers and this can be extended with a corresponding increase in premium but there is no public liability cover. Cover can be increased or decreased within the tiers as costs become known and the policy allows for the wedding ceremony and the reception to be on different dates providing they are no more than 31 days apart. Wedinsure’s policy only provides cover for one ceremony and one reception.